Bankruptcy Means Test

Do You Qualify for Federal Consumer Bankruptcy Protection?

Bankruptcy attorney Martin J. Berkley can tell you what you need to know about the means test — a six-month gross income qualifier for those seeking Chapter 7 bankruptcy debt relief. Under the means test, individuals or families filing for Chapter 7 bankruptcy must have gross income lower than the state median income. For households in Arizona, these income levels are as follows:

Arizona Census Median Income Effective 11/01/2014

Size Annual Monthly Size Annual Monthly

1 Earner $43,749 $3,646 5 People $75,900 $6,325

2 People $54,236 $4,520 6 People $84,000 $7,000

3 People $57,927 $4,827 7 People $92,100 $7,675

4 People $67,800 $5,650 8 People $100,200 $8,350

Additional $8,100 $675

Martin J. Berkley has more than 30 years of experience in the practice of law, and has practiced bankruptcy law exclusively since 1990. Since 2001, in Arizona alone, he has filed thousands of successful Chapter 7 and Chapter 13 bankruptcies. When he takes your case, you can have peace of mind that your legal affairs are in good hands.

The “Means” test is detailed and complex. Even if your gross income initially indicates that your income is over the Median income for your household size, you may still qualify for Chapter 7. A skilled and knowledgeable attorney, Martin J. Berkley, will complete the second part of the analysis for an accurate determination of your “Means” test result. And if your means test result indicates that you may not file a Chapter 7 bankruptcy, there are other options available that may provide a reasonable and satisfactory resolution of your specific issues. Martin J. Berkley will personally calculate your income, apply the “Means”, and provide an accurate analysis and opinion for you at your initial appointment.

We want to be your guide, adviser and sounding board as we introduce you to the bankruptcy legal process and its requirements. Again, you will be personally working with experienced lawyer Martin J. Berkley, from start to the finish of your case.

Contact us today for more information about what the bankruptcy means test could mean to you and your family.

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